1228 NW Sun Terrace Circle #BPort Saint LucieFL34986
INVESTMENT ANALYSIS
Investment Verdict
Strong Cash FlowThe cash-flow margin at 1228 NW Sun Terrace Circle #B, Port Saint Lucie, FL, 34986 in Port Saint Lucie is narrow, $50/mo net on $2,477/mo rent after the $1,268/mo debt service, but the property operates at break-even-plus, not a loss. At $282,000 with a 10.54% yield, the long-run equity case via 5% appreciation ($77,911 over five years) and $2,597/yr in principal paydown is where the returns accumulate. Ziffy Mortgage's 1.95 DSCR loan requires no W-2s or U.S. credit. Total projected cumulative return: $113,145.
| This Property | City Avg | |
|---|---|---|
| Gross Rental Yield | 10.5% | 6.2% |
| Monthly Cash Flow | $50 | $1,250 |
City averages based on Port Saint Lucie market data in our database. Property projections are estimates.
DSCR Loan Qualification
| Monthly Rental Income | $2,477 |
| Total Monthly Debt Service | $2,315 |
| DSCR Ratio | 1.07x |
Ziffy Mortgage: Your DSCR most likely meets our 1.0+ requirement, so you'll most probably qualify for our standard DSCR investment loan program. To pre-qualify, book time with your loan officer →
Estimates assume 6.0% rate / 30-yr fixed, 30% down, 1% tax, 0.5% insurance. Not a commitment to lend.
Single Family
Built in 1992
2,021 sqft lot
$N/A/sqft
$290 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 34986, Port Saint Lucie, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 17,052 (100%) |
| Owner Occupied HU | 12,370 (72.5%) |
| Renter Occupied HU | 2,449 (14.4%) |
| Vacant Housing Units | 2,233 (13.1%) |
| Median Home Value | $442,849 |
| Average Home Value | $481,058 |
Housing Distribution
Address Breakdown
Residential
15,027
Single Family
13,253
Multi-Family
1,774
Businesses
837
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices
Ziffy AI Summary
A quick, investor-focused snapshot highlighting income strength, yield potential.
| Key metrics | Value |
|---|---|
| Price | $399,900 |
| Est. Rent | $3,200/mo |
| ROI | 18% |
- Attractive rent-to-price ratio for income stability
- Good fit for DSCR financing with healthy coverage
Single Family
Built in 1992
2,021 sqft lot
$N/A/sqft
$290 monthly HOA
Neighborhood Data
Neighborhood data shown for ZIP Code: 34986, Port Saint Lucie, FL area.
Housing Distribution
Housing Statistics
| Category | Value |
|---|---|
| Total HU (Housing Units) | 17,052 (100%) |
| Owner Occupied HU | 12,370 (72.5%) |
| Renter Occupied HU | 2,449 (14.4%) |
| Vacant Housing Units | 2,233 (13.1%) |
| Median Home Value | $442,849 |
| Average Home Value | $481,058 |
Housing Distribution
Address Breakdown
Residential
15,027
Single Family
13,253
Multi-Family
1,774
Businesses
837
Nearby investment properties with comparable rents
Nearby investment properties with comparable prices